Ricardo Avila is a financial advisor with Charles Schwab who holds Series 63 and Series 66 registrations and has four years of industry experience. He previously worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. before joining Charles Schwab. Charles Schwab & Co., Inc. serves a large client base mainly consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides a blend of non-discretionary and discretionary investment guidance using multi-asset model portfolios and offers integrated custody, brokerage, and advisory services.

Patricia O Sullivan is a financial advisor at Charles Schwab with Series 63 and Series 65 designations and three years of industry experience. She previously worked at MFS Investment Management and Boston Financial Data Services. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers multi-asset model portfolios supported by centralized custody and order-routing arrangements.